Every new parent has dreams of private college for their new born baby. Many parents will start college funds just after birth and contribute as much as possible to pay tuition, room and board for their child’s four year private education. Parents have 18 years to raise the $45,000 per year that they will need for average cost. After their child graduates from this dream education, the dream job awaits which will pay enough for their dream life. Sounds a little silly – doesn’t it? But talk to any new parent and you will hear a variation of this dream. ...